First Impressions Begin at the Street - Yavapai Title · PDF fileFirst Impressions Begin at...

Prepare Your Home for Market

First Impressions Begin at the Street ... A potential buyer will likely drive by your home before they decide make an appointment to view it. Be sure that you home has the highest “curb appeal” possible! Remove all debris and store equipment and toys neatly out of sight. Mow lawns, trim edges, pull weeds and plant flowers in beds or pots. The front doors and porch should be clean and inviting. A fresh coat of paint or new hardware on the front door make a good first impression at a minimal cost. Consider investing in a bright new door mat and a pot of flowers for the front porch.

A look inside … Paramount for a good first impression is a sparkling clean home. Take a walk through your home and look with the eyes of a potential buyer. Are the carpets in need of being cleaned? Is the paint dingy or smudged? These two details make a huge impact on the “freshness” of your home. Choose light, neutral colors for paint. Touch up, or wash existing paint. Have carpets and rugs cleaned. Remove clutter from all rooms, including the kitchen. Fewer personal effects allow a potential buyer to envision their own belongings in the home and makes the rooms appear larger. In the kitchen, cleanliness counts! Make sure that everything shines! Organize the cupboards neatly. Remove everything from counter tops except maybe a potted plant. Bathrooms should also be sparkling clean. Put away personal items. Fresh calking around the tub, shower, baseboards and sink will spruce up appearance of older fixtures. Repair or replace any leaky faucets, be sure that the shower curtain, if any, is new and clean. Wash all windows, window sills and window coverings if needed. Many sellers have discovered the advantage of having their home professionally “staged.” You can take the guess work out of the do’s and don'ts for making your home market ready, and studies show that staged homes sell faster and for a better price than un-staged homes. You only get one chance to make a good first impression! Do everything you can to make your home stand out!

WWhy work with a Local Realtor?

ACCESS TO MLS –The Multiple Listing ServiceLocal Realtors have access to the MLS system, which is the most comprehensive and accurate home finding site. This isimportant when purchasing in a competitive market.

PROPERTY COMPS -ComparablesLocal Realtors know the market and will provide you with comparable properties that have recently sold. This helps youdetermine your offer price so you don’t over pay for a piece of property.

AREA KNOWLEDGELocal Realtors know the area, the neighborhoods, the community and its resources. This saves you time as they can directyou to areas based on your needs and wants.

BUYER REPRESENTATIONA Buyer’s representative will assist you in reviewing property. Should you decide to make an offer, they will assist youwith the contract, negotiations and inspections. This is where the Realtors knowledge is a vital resource.

FOR SALE BY OWNERSA Realtor will know if a For Sale By Owner is asking a fair price for their property. Many For Sale By Owners will pay aRealtor a commission for bringing a Buyer. If the Seller will not pay the commission, many Buyers will pay to have therepresentation needed to protect their interests.

REALTOR CODE OF ETHICSEach Realtor must abide by a Code of Ethics. Here are the Basic Principles:

Protect and promote your client’s interests, but be honest with all parties.Avoid exaggeration, misrepresentation, and concealment of pertinent facts.Do not reveal facts that are confidential under the scope of your agency relationship.Cooperate with other real estate professionals to advance your client’s best interests.When buying or selling, make your position in the transaction or interest known.Disclose present or contemplated interest in any property to all parties.Avoid side deals without your client’s informed consent.Accept compensation from only one party, except with full disclosure and informed consent.Keep the funds of clients and customers in escrow.Assure, whenever possible, that transactional details are in writing.Provide equal service to all clients and customers.Be knowledgeable and competent in the fields of practice in which you ordinarily engage.Obtain assistance or disclose lack of experience if necessary.Present a true picture in your advertising and other public representations.Do not engage in the unauthorized practice of law.Be a willing participant in Code enforcement procedures.Ensure that your comments about other real estate professionals are truthful, and not misleading.Respect the exclusive representation or exclusive brokerage relationship agreements that otherrealtors have with their clients.Arbitrate contractual and specific non-contractual disputes with other realtors and with your clients.

For full text, refer to Code of Ethics and Standards of Practice of the NATIONAL ASSOCIATION OF REALTORS.

Helpful Moving Tips

Banks-Close accounts if they are not transferable and establish new accounts at your new

location.

Insurance-Notify your agent of your new address and discuss how your insurance needs

may change with your new move.

Utilities-Establish cutoff date and give your forwarding address to all utilities and services.

Arrange for utilities to be started in your new home prior to arrival.

Medical records-Obtain records for all members in the family, including pets. If you’ve se-

lected new providers, arrange to have records sent directly to them.

Change of address-Fill out a forwarding address form at the post office and pick up a stack

of change-of-address forms to send to the following:

Family and friends

Magazines

Credit card companies

Pension funds and investment firms

Professionals such as your lawyer, accountant, and realtor

The IRS, Social Security office and government or military pension offices

Your workplace, schools and alma mater

National associations or clubs

The voter registration office and motor vehicle bureau

Items to carry with you on Move Day

Phone number of the moving company

Cash or traveler’s checks

Papers related to the sale of your home

Insurance policies and agent’s phone number

Your current phone book

Medications

Enough clothing to get by if the movers are late

Important personal records and documents

Sheets and towels for the first night in your new home

Personal hygiene items

Food and supplies for pets

Area Service Providers

CCustomary Closing Costs for Arizona

Conventional FHA VA Cash

Escrow Fee Each Pay 1/2 Each Pay 1/2 Seller Each Pay 1/2

Recording and Affidavit Fees Seller & Buyer Seller & Buyer Seller & Buyer Seller & Buyer

HOA Asso. Transfer Fee/Dues Per Contract Per Contract Per Contract Per Contract

Real Estate Commission Seller Seller Seller Seller

Existing Loan Payoff Seller Seller Seller Seller

Accrued Interest on Existing Loan Seller Seller Seller Seller

Owners Title Policy Seller Seller Seller Seller

Release/Reconveyance Fee Seller Seller Seller Seller

Home Warranty Premium Per Contract Per Contract Per Contract Per Contract

Discount Points Buyer Buyer Buyer

Appraisal Fee Buyer Buyer Buyer

Down Payment Buyer Buyer Buyer Buyer

Property Inspection Buyer Buyer Buyer Buyer

Termite Inspection Buyer Buyer Seller Buyer

1st Year Insurance Premium Buyer Buyer Buyer Buyer

Tax and Insurance Impounds Buyer Buyer Buyer

Prepaid Interest Buyer Buyer Buyer

Credit Report fee Buyer Buyer Buyer

Loan Origination Fee Buyer Buyer Buyer

Next Months PITI Payment Buyer Buyer Buyer

Lenders ALTA Title Policy Buyer Buyer Buyer

FHA - MIP Buyer

VA Funding Fee Buyer

Lenders Document Prep. Fee Buyer Buyer Seller

Tax Service Contract Fee Buyer Seller Seller

Lenders Misc. Fees Buyer Buyer Seller

PMI Buyer

This form represents "Customary" costs only,

some of which may be negotiable.

For an Escrow or Title quote, please reference our Office Directory to contact us.

Glossary of Terms

AMORTIZED LOAN A loan that is paid off – both interest and principal – by

regular payments that are equal or nearly equal.

AMENDMENT A change – either to alter, add to, or correct – part of an agreement

without changing the principal idea or essence.

APPRAISAL An estimate of value of property resulting from analysis of facts about

the property; an opinion of value.

ASSUMPTION Taking over another person’s financial obligation; taking title to a

property with the Buyer assuming liability for paying an existing note secured by a deed

of trust against the property.

BENEFICIARY The recipient of benefits, often from a deed of trust; usually the

lender

CLOSE OF ESCROW The date the documents are recorded and title passes from

Seller to Buyer. On this date, the Buyer becomes the legal owner, and title insurance

becomes effective.

CLOUD ON TITLE A claim, encumbrance, or condition that impairs the title to real

property until disproved or eliminated through such means as a quitclaim deed or a quiet

title legal action.

COMPARABLE SALES Sales that have similar characteristics as the subject

property, used for analysis in the appraisal. Commonly called “comps”.

CONVEYANCE An instrument in writing, such as a deed or trust deed, used to

transfer (convey) title to property from one person to another.

DEED OF TRUST An instrument used in many states in place of a mortgage.

DEED RESTRICTIONS Limitations in the deed to a property that dictate certain

uses that may or may not be made of the property.

EARNEST MONEY DEPOSIT Down payment made by a purchaser of real estate

as evidence of good faith; a deposit or partial payment.

EASEMENT A right, privilege or interest limited to a specific purpose that one party

has in the land of another.

HAZARD INSURANCE Real estate insurance protecting against fire, some natural

causes, vandalism, etc., depending upon the policy. Buyer often adds liability insurance

and extended-coverage for personal property.

HOMESTEAD EXEMPTION Automatic in Arizona, it allows any resident of

Arizona, 18 years of age or older, to exempt from attachment, execution or forced sale

$100,000.00 of equity in a single dwelling unit. Exceptions include (1) process and sale

of a consensual lien, i.e. where a deed of trust or equity loan is foreclosed; (2) a forced

sale resulting from a mechanic’s lien, and (3) any equity beyond the $100,000.00 (You

should consult an attorney to determine if this exemption offers you protection in the

event of an attachment, execution or forced sale.)

IMPOUNDS A trust type of account established by lenders for the accumulation of

borrower’s funds to meet periodic payments of taxes, mortgage insurance premiums

and/or future insurance policy premiums, required to protect their security.

LEGAL DESCRIPTION A description of land recognized by law, based on

government surveys, spelling out the exact boundaries of the entire piece of land. It

should so thoroughly identify a parcel of land that it cannot be confused with any other.

LIEN A form of encumbrance that usually makes a specific property the security for the

payment of a debt or discharge of an obligation. For example, judgments, taxes,

mortgages, deeds of trust.

MORTGAGE The instrument by which real property is pledged as security for

repayment of a loan.

PITI A payment that combines principal, Interest, Taxes and Insurance.

POWER OF ATTORNEY A written instrument whereby a principal gives authority

to an agent. The agent acting under such a grant is sometimes called an “Attorney-in-

Fact.”

PURCHASE AGREEMENT The purchase contract between the Buyer and Seller. It

is usually completed by the real estate agent and signed by the Buyer and Seller.

QUITCLAIM DEED A deed operating as a release, intending to pass any title,

interest, or claim which the grantor may have in the property, buy not containing any

warranty of a valid interest or title by the grantor.

RECORDING Filing documents affecting real property with the County Recorder as

a matter of public record.

WARRANTY DEED A real estate oriented document used to convey fee title to real

property from the grantor (usually the Seller) to the grantee (usually the Buyer).

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2. FINANCING

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4. DISCLOSURE

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5. WARRANTIES

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6. DUE DILIGENCE

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PAGE July 2013 1

The Short Sale Seller Advisory is a Resource for Real Estate Consumers

Understand a Lender�s Options upon Loan Default

There are many types of loans that are secured by real property. These may be purchase loans, refinanced loans, home-equity loans, or one of the various other types of loans. The type of loan and type of property will determine what remedies a lender may have if the homeowner fails to make the agreed upon payments. The available remedies, the homeowner�s overall current or potential future financial strength, the lender�s cost in acquiring the loan and any shared-loss or similar agreement if the loan was acquired by purchase or merger, are some of the many factors that the lender may consider in deciding how to proceed when a loan is in default. For an overview of these issues, go to www.aaronline.com/2009/09/loan-defaults-deficiencies/

A short sale is a real estate transaction in which the sales price is insufficient to pay the loan(s) encumbering the property in addition to the costs of sale and the seller is unable to pay the difference. A

short sale involves numerous issues as well as legal and financial risks. This Advisory is designed to address some of these issues and risks, but does not purport to be comprehensive.

Be Aware of Predatory �Rescue� Scams & Short Sale Fraud

Homeowners worried about foreclosure may be susceptible to predatory �rescue� scams which may cost you money with no results, result in the loss of your home entirely, or involve you in a fraudulent scheme. For more information, go to www.efanniemae.com/utility/legal/antifraud.jsp or www.efanniemae.com/utility/legal/pdf/fraudnews/mortgagefraudnews0709.pdf

�Red Flags� of fraudulent schemes include:

Guarantees to stop the foreclosure

Large upfront fees

Instructions not to contact the lender

Transfer of title or lease of the property

The proposed buyer is an LLC

Requests that the homeowner execute a power of attorney

The proposed buyer, at the buyer�s sole expense, retains a third party to negotiate the short sale for the seller�s benefit.

BEFORE PROCEEDING WITH A SHORT SALE

1 2

http://www.aaronline.com/2009/09/loan-defaults-deficiencies/

http://www.efanniemae.com/utility/legal/antifraud.jsp

http://www.efanniemae.com/utility/legal/pdf/fraudnews/

PAGE July 2013 2

Report suspected scams

Financial Fraud Enforcement Task Force www.stopfraud.gov/

HUD, in partnership with the Loan Modification Scam Prevention Network www.preventloanscams.org/

Arizona Department of Financial Institutions at

www.azdfi.gov/Consumers/complaints/ Complaints.html or email [email protected]

Arizona Attorney General�s Office www.azag.gov/consumer/foreclosure/index.html#Complaint

NeighborWorks© at www.loanscamalert.org/default.aspx

Contact a Free HUD-Approved Housing Counselor or Contact Your Lender Directly

Contact a HUD-approved housing counseling agency online at www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm?webListAction=search&searchstate=AZ or call (800) 569-4287 or TDD (800) 877-8339 for advice on your options. For additional HUD resources: http://portal.hud.gov/portal/page/portal/HUD/topics/avoiding_foreclosure

Contact the Neighborhood Assistance Corporation of America at: www.naca.com/refinance/refinanceTenStep.jsp

Contact the lender directly. To find the lender�s contact information, check the loan billing statement, or coupon book. Ask for the lender's home retention department, loss mitigation department, (or other department that handles negotiation of loans in default); explain the situation and find out if the lender is willing to discuss options.

Utilize Free Services Available to Arizona Residents

Contact the Arizona Foreclosure Helpline at 1-877-448- 1211 (toll-free) or visit

www.housingaz.com/ShowPage.aspx?ID=248

Review the Arizona Foreclosure Prevention Task Force Workbook www.dbtaz.org/flyers/2009.9.1.State.Task.Force.Wrkbk.pdf.

This book will help you evaluate your options and provide you with tools to take action. Additional resources are available at: www.azforeclosureprevention.org

Arizona Department of Housing www.azhousing.gov/

Obtain Legal Advice

An attorney can advise you about your options and legal liability.

To find out if you are eligible for free or low cost legal assistance, contact a legal aid organization in your county or one of the organizations listed at www.azbar.org/LawyersHelpingYou/freelegal.cfm or www.azlawhelp.org/housing.cfm

Contact the Lawyer Referral Service in your county where you can consult with an attorney for a small fee for a half-hour consultation.

Maricopa County: www.maricopabar.org/displaycommon.cfm?an=16 or (602) 257-4200.

Pima County: www.pimacountybar.org/lawyer-referral-service-lrs (520) 623-4625.

Attorneys who are State Bar Real Estate Law Certified Specialists can be located at www.azbar.org/LegalResources/findspecialist.cfm.

BEFORE PROCEEDING WITH A SHORT SALE (CONTINUED)

3

4

5

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http://www.stopfraud.gov/

http://www.preventloanscams.org/

http://www.azdfi.gov/Consumers/

mailto:[email protected]

http://www.azag.gov/

http://www.loanscamalert.org/

http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm

http://www.naca.com/refinance/

http://www.housingaz.com/ShowPage.aspx?ID=248

http://www.dbtaz.org/

http://www.azforeclosureprevention.org

http://www.azhousing.gov/

http://www.azbar.org/

http://www.azlawhelp.org/

http://www.maricopabar.org/

http://www.pimacountybar.org/lawyer-referral


PAGE July 2013 3

Obtain Tax Advice

For Mortgage Forgiveness Debt Relief Act and Debt Cancellation tax information, go to www.irs.gov/individuals/article/0,,id=179414,00.html

Attorneys who are State Bar Tax Law Certified Specialists can be located at www.azbar.org/LegalResources/findspecialist.cfm.

Be Aware of the Consequences of Committing �Waste�

Damaging the property or removing fixtures such as sinks, toilets, cabinets, air conditioners, and water heaters may result in liability to the lender for �waste.� In other words, the lender may be able to sue you for damages if you have physically abused, damaged or destroyed any part of the property.

BEFORE PROCEEDING WITH A SHORT SALE (CONTINUED)

8

Loan Workout

Reinstatement: Paying the total amount owed by a specific date in exchange for the lender agreeing not to foreclose.

Forbearance: An agreement to reduce or suspend payments for a short period of time.

Repayment Plan: An agreement to resume making monthly payments with a portion of the past due payments each month until they are caught up.

Claim Advance/Partial Claim: If the loan is insured, a homeowner may qualify for an interest-free loan from the mortgage guarantor to bring the account current.

OPTIONS OTHER THAN SHORT SALE

CONSIDER ALL OPTIONS A SHORT SALE MAY NOT BE YOUR BEST COURSE OF ACTION. CONSIDER ALL YOUR OPTIONS BEFORE MAKING A DECISION.

1 Loan Modification

The lender may agree to change the terms of the original loan to make the payments more affordable. For example, missed payments can be added to the existing loan balance, the interest rate may be modified or the loan term extended. Loan modification resources include:

Making Homes Affordable: www.makinghomeaffordable.gov

National Foreclosure Mitigation Counseling Program: http://findaforeclosurecounselor.org/network/home.asp

Homeownership Preservation Foundation: www.995hope.org

1-888-995-HOPE� Hotline

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7

http://www.irs.gov/


http://www.makinghomeaffordable.gov

http://findaforeclosurecounselor.org/network/

http://www.995hope.org

PAGE July 2013 4

Refinance

If the lender will not agree to a loan workout or modification, the homeowner may be able to refinance the loan with another lender.

Learn more at www.makinghomeaffordable.gov/programs/lower-rates/Pages/short-refinance.aspx

And www.makinghomeaffordable.gov/programs/lower-rates/Pages/harp.aspx

Deed-in-Lieu of Foreclosure

The lender may allow a homeowner to �give back� the property. This option may not be available if there are other liens recorded against the property. Review the HUD requirements at www.hud.gov/offices/hsg/sfh/nsc/rep/dilfact.pdf

Work Out Sale

The lender may allow a specific amount of time for the home to be sold and the loan to be paid off. The lender may also allow a buyer to assume the loan to purchase the property even if the loan is non-assumable.

Bankruptcy

If you are considering bankruptcy as an option, consult with an attorney that specializes in bankruptcy cases: www.azbar.org/LegalResources/findspecialist.cfm

Access the Arizona Bankruptcy Court self help information by calling 866-553-0893 or visit www.azb.uscourts.gov/default.aspx?PID=78#866

Foreclosure

Allowing the lender to foreclose is another option. The counselors at the Arizona Foreclosure Help Line can explain the foreclosure process, call:

1-877-448-1211

Ultimately, only you and your attorney can decide if foreclosure is the best option for you. Attorneys who are State Bar Real Estate Law Certified Specialists can be located at:

www.azbar.org/LegalResources/findspecialist.cfm

Ask your attorney about the possibility of a deficiency lawsuit after foreclosure. Assuming all statutory requirements are met, the Arizona anti-deficiency statutes may limit the lender�s remedy to foreclosure, even if the amount due to the lender exceeds the value of the property.

Also, seek professional tax advice about the consequences of a foreclosure and review the IRS information at www.irs.gov/individuals/article/0,,id=179414,00.html

OPTIONS OTHER THAN SHORT SALE (CONTINUED)

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7 4

5

6

http://www.makinghomeaffordable.gov/programs/

http://www.makinghomeaffordable.gov/programs/lower

http://www.hud.gov/offices/hsg/sfh/nsc/rep/

http://www.azbar.org/LegalResources/findspecialist.cfm

http://www.azb.uscourts.gov/

http://www.azbar.org/LegalResources/findspecialist.cfm

http://www.irs.gov/individuals/article/0,,id=179414,00.html

PAGE July 2013 5

Contact a Qualified Real Estate Professional

Interview several real estate professionals and ask about their experience in short sales, the number of short sale transactions that they have handled, and their education and training in short sales.

Review the real estate professional�s background and continuing education on the ADRE website at: http://services.AZRE.gov/publicdatabase

Ask if the real estate professional has obtained a short sale certification, such as the Short Sales and Foreclosure Resource Certification (�SFR�) www.realtorsfr.org/.

Find a REALTOR® at www.aaronline.com/

Investigate Documentation and Eligibility

Documentation and eligibility criteria for short sales vary depending on specific lender and investor guidelines. Generally, you must prove that you are financially incapable of paying the loan and the lender is convinced that it will fare better by agreeing to a sale for less than the outstanding loan amount than foreclosing.

Determine the Amount Owed on the Property

All debt and costs must be factored in before determining whether a short sale is feasible. Consider the delinquent loan, home equity loan or other loans recorded against the property, past due homeowner�s association fees, unpaid property taxes and the costs of a sale, such as closing costs, escrow fees and brokerage commissions. If you have more than one loan on the property, be aware that a short sale will generally require the approval of all lenders.

1

Determine the Estimated Fair Market Value of the Property

You must prove to the lender that the home is worth less than the unpaid loan balance. Consult a real estate professional or an appraiser for assistance in estimating the value of the property.

Consult Legal Counsel

The importance of competent legal counsel to help you determine whether a short sale is the best option and to advise you during the short sale process cannot be over emphasized. See the legal resources listed on page 2 or visit www.azbar.org.

Understand that a Short Sale May not Discharge the Debt

Even if a lender agrees to a short sale, the lender, the VA, or the FHA may not agree to forgive the debt entirely and may require you to pay the difference as a personal obligation. This outstanding personal obligation could result in a subsequent collection action. For example, a lender may accept the short sale purchase price to �release the lien� on the property as opposed to agreeing to accept the purchase price as �full and final settlement of the debt� on the property. Therefore, be certain of the terms of any short sale before making a decision, consult an attorney regarding whether the lender is entitled to pursue a deficiency judgment and obtain any debt forgiveness agreements with the lender in writing.

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2

SHORT SALE CONSIDERATIONS

IF YOU DECIDE TO PURSUE A SHORT SALE, CONSIDER TAKING THE FOLLOWING ACTIONS

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6

3

http://www.realtorsfr.org/

http://www.aaronline.com/

http://www.azbar.org

PAGE July 2013 6

Obtain Tax Advice

A short sale in which the debt is forgiven is a relief of debt and may be treated as income for tax purposes. The Mortgage Forgiveness Debt Relief Act of 2007 created a limited exemption to allow homeowners to pay no taxes on debt forgiveness; however, only cancelled debt used to buy, build or improve a principal residence or refinance debt incurred for those purposes qualifies for this tax exemption. For more information on the tax consequences of debt relief seek professional tax advice and go to www.irs.gov/individuals/article/0,,id=179414,00.html

Be Aware of the Impact on Your Credit Score

The impact of a short sale on your credit score depends upon a variety of factors, including late or missed payments. A short sale may appear on your credit report as �pre-foreclosure redemption,� �paid in full for less than full balance� or other similar term.

Understand That There May Be a Waiting Period Before You Can Buy another Home

Your ability to qualify for a loan to purchase another home after a short sale will likely be impacted by a short sale and there may be a waiting period before you can purchase another home.

Home Affordable Foreclosure Alternative (HAFA) Program

The HAFA program was designed to give homeowners different alternatives to a foreclosure, which include incentives for completing a short sale. For more information on the options available, visit the HAFA program website www.makinghomeaffordable.gov/hafa.html To find out which option you are eligible for go to www.makinghomeaffordable.gov/eligibility.html To find out if your mortgage servicer participates in the HAFA program go to

www.makinghomeaffordable.gov/get-assistance/contact-mortgage/Pages/default.aspx

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Guidelines and Forms:

www.makinghomeaffordable.gov/get-assistance/request-modification/Pages/default.aspx

Fannie Mae's HAFA program:

www.efanniemae.com/sf/servicing/hafa/index.jsp.

Review the Arizona Association of REALTORS® (AAR) Short Sale Forms

AAR has developed a , www.aaronline.com/wp-content/

uploads/2012/12/short-sale-addendum-listing.pdf

and a www.aaronline.com/wp-content/

uploads/2012/12/sample-short-sale-addendum.pdf to assist in a short sale transaction. Review these contract forms and any other forms you are asked to sign so that you thoroughly understand your rights and obligations.

For More Information, Visit:

The Arizona Department of Real Estate website: www.azre.gov/ AAR�s Consumer Foreclosure Assistance Links: www.aaronline.com/2013/01/consumer-assistance-foreclosure/

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8

SHORT SALE CONSIDERATIONS (CONTINUED)

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10

http://www.irs.gov/

http://www.makinghomeaffordable.gov/hafa.html

http://www.makinghomeaffordable.gov/eligibility.html

http://www.makinghomeaffordable.gov/get-assistance/contact

http://www.makinghomeaffordable.gov/get-assistance/request

http://www.efanniemae.com/sf/servicing/hafa/index.jsp

http://www.aaronline.com/wp-content/

http://www.aaronline.com/wp-content/

http://www.azre.gov/

http://www.aaronline.com/2013/01/consumer-assistance

PAGE July 2013 7

Seller acknowledges receipt of this Advisory

and further acknowledges that there may be

other issues of concern not listed herein.

The information in this Advisory is provided

with the understanding that it is not

intended as legal or other professional

services or advice. These materials have

been prepared for general informational

purposes only. The information and links

contained herein may not be updated or

revised for accuracy. If you have any

additional questions or need advice, please

contact your own lawyer.

SELLER ACKNOWLEDGMENT

^ SELLER SIGNATURE DATE

^ SELLER SIGNATURE DATE

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